The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$63,607
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,586
−HK$2,010/mo
Today · 4.125%
HK$67,596
baseline
▲ 0.50% · 4.625%
HK$71,709
+HK$4,113/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$135,192/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,762
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,660
−HK$1,925/mo
Today · 4.125%
HK$74,585
baseline
▲ 0.50% · 4.625%
HK$78,517
+HK$3,932/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$149,170/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,329
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,703
−HK$2,412/mo
Today · 4.125%
HK$81,115
baseline
▲ 0.50% · 4.625%
HK$86,051
+HK$4,936/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$162,230/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,915
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,192
−HK$2,310/mo
Today · 4.125%
HK$89,502
baseline
▲ 0.50% · 4.625%
HK$94,220
+HK$4,718/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$179,004/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,050
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$91,820
−HK$2,814/mo
Today · 4.125%
HK$94,634
baseline
▲ 0.50% · 4.625%
HK$100,392
+HK$5,758/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$189,268/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,067
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$101,724
−HK$2,696/mo
Today · 4.125%
HK$104,420
baseline
▲ 0.50% · 4.625%
HK$109,924
+HK$5,504/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$208,840/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,493
−HK$7,180/mo
▼ 0.25% · 3.875%
HK$118,054
−HK$3,619/mo
Today · 4.125%
HK$121,673
baseline
▲ 0.50% · 4.625%
HK$129,076
+HK$7,403/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$243,346/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,372
−HK$6,882/mo
▼ 0.25% · 3.875%
HK$130,788
−HK$3,466/mo
Today · 4.125%
HK$134,254
baseline
▲ 0.50% · 4.625%
HK$141,330
+HK$7,076/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$268,508/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,527 · Scale 2, in force from 26 Feb 2026)